I understand it is a difficult market at the moment (High interest, High prices, etc), and I have no problem playing the waiting game.

Paying down a mortgage quicker gives advantages if you believe the appreciation outlook is high because the debt pay down will give you more benefits when the property appreciates.

I got a picture of her drivers license but am now doubting that was even real.

Potentially, but highly unlikely.

And right now rates are at multi-decade highs after a rapid run up, so the wounds are not only fresh, but the bleeding hasn’t been controlled yet.Mistaken Identity:  If the syndicator on the panel says he prefers floating because he can borrow capital improvement funds, he is talking about bridge debt, which happens to have a floating rate but isn’t the primary characteristic nor the reason people use it.  

The big brokerages do offer great support, but your fees will be high.

@Joseph Turner, if you're looking to buy in CA areas with high levels of appreciation, I've had clients take out a HELOC or 2nd mortgage and pay back the HELOC or 2nd with a cash out refinance once values appreciate. 

Highly recommend our realtor Candace Pfab!

If anything, it's a little high.

However, she did warn me that both HELOC and DSCR rates are insanely high at the moment, but she said that it's a possibility if I can make the payments.